1. Retirement salary can be used as a part of repayment ability. Retirees who meet the conditions for applying for loans may apply for loans;

2. When retirees apply for housing provident fund loans, the sum of the borrower's age and loan life shall not exceed five years after the statutory retirement age;

3. The legal retirement age is generally calculated according to the age of 55 for women and 60 for men. Unless otherwise stipulated by the state, the retirement age shall be implemented according to its provisions, but the maximum retirement age shall not exceed 65 years old;

4. Retirees under the age of 60 who have other income and real estate under their names can apply for higher loans and need to provide monthly pensions and retirement certificates.

Calculation method of retirement salary:

1, basic pension: calculated according to individual payment period and payment base;

2. Personal account pension: the accumulated amount of personal account divided by the number of months;

3. Transitional pension: temporary subsidies set up in some areas to balance the pension level;

4. Supplementary pension for enterprises: the supplementary pension established by enterprises for employees according to their own conditions;

5. Special government subsidies: government subsidies to specific groups.

To sum up, retirees who meet the loan conditions, especially those who are under 60 years old and have other income and real estate under their names, can apply for loans through retirement wages as part of their repayment ability.

Legal basis:

Interim Measures for the Administration of Personal Loans

Article 11

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.